Stephen Cota is a financial advisor at LPL Financial with 30 years of industry experience. He has worked at LPL Financial since 2008 and previously held positions at Wamu Investments, Inc. and Morgan Stanley DW Inc. He also has a non-variable life insurance business under Reliance Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Sanchit Suneja is a Series 66 licensed financial advisor at UBS Financial Services with one year of experience. Prior to joining UBS in 2025, he spent four years at the University of California San Diego and seven years at Modern School Barakhamba Road. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client plans.

George Alessandria is a financial advisor at LPL Financial with 22 years of industry experience. He holds the Series 66 designation and has worked previously at Bank of America and Merrill. Based in San Diego, CA, he has been with LPL Financial since 2022. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management access, and institutional platforms.

Janet Leahy is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She previously worked at Painewebber for 25 years and at UBS Financial Services for 34 years. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with portfolio management, financial planning, and brokerage services tailored to client risk profiles through a combination of in-house and third-party investment managers.

Steven Thu is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Steven's expertise spans various aspects of financial planning and retirement benefits consulting. He earned his High School Diploma/GED from Monte Vista High School. Steven's role involves advising clients on wealth management strategies aligned with their retirement and investment goals.

Robert Brisbane is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 credentials and six years of industry experience. His prior work includes roles at Bank of America, Merrill, Charles Schwab, and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser functions, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Theodore Miller is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and having 31 years of industry experience. His prior work includes roles at Cetera Advisors LLC and Wells Fargo in various capacities over 20 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, with a broad range of investment options and operational support tools.

Pablo Folco is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. He has been with LPL Financial since 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing various portfolio strategies and technology tools to support advisors.

Bruce Lutomski II is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Kimberly Kurek is a financial advisor at LPL Financial with 10 years of industry experience. She holds the Series 66 designation and has been with LPL Financial since 2014. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Robert Young III is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 20 years of industry experience. His prior roles include positions at Planmember Securities Corporation and One2One Wealth Strategies. Outside of advising, he is involved with Young Financial Services, Inc., a business entity focused on tax and investment matters. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm supports a range of investment strategies, combining proprietary research, third-party management, and technology tools across a large network of advisors.

Ryan Ramirez is a financial advisor at UBS Financial Services with two years of industry experience. He holds the Series 66 designation and has previously worked at Bryant University and Torrey Pines High School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines wealth management with institutional trading capabilities, including futures commission merchant activities and principal trading.

Laila Margallo is a Wealth Management Advisor with Merrill Lynch Wealth Management. No additional information about Ms. Margallo's experience, education, credentials, or personal interests was provided.

Robert Farwell is a CFP® with six years of experience at Edward Jones and five years in the financial industry overall. Prior to joining Edward Jones in 2020, he worked at ProLearning Source Inc for nine years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

James Lynch is a financial advisor at RBC Capital Markets with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Lynch is based in San Diego, CA. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies based on each client’s risk profile and utilizing a combination of in-house and third-party investment managers.

Luc Bretin is a financial advisor at Equitable Advisors in San Diego, CA, holding a Series 66 designation. He has no prior industry experience and has held multiple roles in educational and association settings before joining Equitable Advisors. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm delivers solutions through a network of Investment Adviser Representatives and offers a range of programs, including referrals to third-party asset managers and LPL-sponsored advisory options.

Curran Robertson is a CFP® with five years of industry experience, currently serving as a financial advisor at Morgan Stanley. Prior to joining Morgan Stanley, he worked at City National Bank and RBC Capital Markets. He serves on the Advancement Committee for Nativity Prep Academy, a nonprofit focused on supporting first-generation college-bound students from under-resourced families. Morgan Stanley Wealth Management provides tailored financial planning and advisory services to individuals and institutions, managing approximately $2.74 trillion in client assets through a variety of programs and strategies.

Veronica Dean is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. Her prior roles include positions at Wells Fargo Advisors LLC and Wells Fargo Clearing. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing detailed, non-discretionary recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic tools overseen by a Retirement Income Oversight Committee to deliver tailored retirement income advice.

Cameron Noorany is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He previously worked at LPL Financial LLC for 22 years and serves as president of RMW Consulting, a financial services firm he has operated since 2003. Noorany is also an insurance agent selling fixed insurance products and is a board member of Advisors Choice Insurance Brokerage Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm provides a multi-manager investment platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Andrew Chabot is a CFP® practitioner with 23 years of industry experience, currently with Equitable Advisors since 2024. His prior roles include positions at Securities America Advisors, Waddell & Reed, Rancho Wealth Management, LPL Financial, and CUSO Financial Services. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm emphasizes personalized advice through program models and third-party asset managers, providing a range of investment options and ERISA fiduciary services.